|
Report Date : |
09.10.2012 |
IDENTIFICATION DETAILS
|
Name : |
SENSING TECHNOLOGIES PRIVATE LIMITED |
|
|
|
|
Registered
Office : |
Plot No. 18-C, Kandivali Industrial Estate, Hindustan Naka, Charkop, Kandivali
(West), Mumbai-400067, Maharashtra |
|
|
|
|
Country : |
India |
|
|
|
|
Financials (as
on) : |
31.03.2010 |
|
|
|
|
Date of
Incorporation : |
23.03.2007 |
|
|
|
|
Com. Reg. No.: |
11-169072 |
|
|
|
|
Capital
Investment / Paid-up Capital : |
Rs.9.010
Millions |
|
|
|
|
CIN No.: [Company Identification
No.] |
U29308MH2007PTC169072 |
|
|
|
|
TAN No.: [Tax Deduction &
Collection Account No.] |
MUMS56160G |
|
|
|
|
PAN No.: [Permanent Account No.] |
AAKCS7729K |
|
|
|
|
Legal Form : |
Private Limited Liability Company |
|
|
|
|
Line of Business
: |
Manufacturer of Automobile Parts. |
|
|
|
|
No. of Employees
: |
Information denied by the management. |
RATING & COMMENTS
|
MIRA’s Rating : |
B (30) |
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
Maximum Credit Limit : |
USD 85000 |
|
|
|
|
Status : |
Moderate |
|
|
|
|
Payment Behaviour : |
Unknown |
|
|
|
|
Litigation : |
Clear |
|
|
|
|
Comments : |
Subject is an established company having moderate track. The
management of the company has not filed its financial after the year 2010. However,
trade relations are reported as fair. Business is active. Payments are
unknown. The company can be considered for business dealings with some
cautions. |
NOTES :
Any query related to this report can be made
on e-mail : infodept@mirainform.com
while quoting report number, name and date.
INDIAN ECONOMIC OVERVIEW
India is developing into an open-market economy, yet traces of
its past autarkic policies remain. Economic liberalization, including
industrial deregulation, privatization of state-owned enterprises, and reduced
controls on foreign trade and investment, began in the early 1990s and has
served to accelerate the country's growth, which has averaged more than 7% per
year since 1997. India's diverse economy encompasses traditional village
farming, modern agriculture, handicrafts, a wide range of modern industries,
and a multitude of services. Slightly more than half of the work force is in
agriculture, but services are the major source of economic growth, accounting
for more than half of India's output, with only one-third of its labor force.
India has capitalized on its large educated English-speaking population to become
a major exporter of information technology services and software workers. In
2010, the Indian economy rebounded robustly from the global financial crisis -
in large part because of strong domestic demand - and growth exceeded 8%
year-on-year in real terms. However, India's economic growth in 2011 slowed
because of persistently high inflation and interest rates and little progress
on economic reforms. High international crude prices have exacerbated the
government's fuel subsidy expenditures contributing to a higher fiscal deficit,
and a worsening current account deficit. Little economic reform took place in
2011 largely due to corruption scandals that have slowed legislative work.
India's medium-term growth outlook is positive due to a young population and
corresponding low dependency ratio, healthy savings and investment rates, and
increasing integration into the global economy. India has many long-term
challenges that it has not yet fully addressed, including widespread poverty,
inadequate physical and social infrastructure, limited non-agricultural
employment opportunities, scarce access to quality basic and higher education,
and accommodating rural-to-urban migration.
|
Source
: CIA |
RBI DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available RBI Defaulters’ list.
EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS
Subject’s name is not enlisted as a defaulter
in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of
31-03-2012.
INFORMATION DECLINED BY
|
Name : |
Ms. Vanita |
|
Designation : |
Accounts Executive |
|
Contact No.: |
91-22-28604777 |
|
Date : |
08.10.2012 |
LOCATIONS
|
Registered Office / Factory : |
Plot No. 18-C, Kandivali Industrial Estate, Hindustan Naka, Charkop,
Kandivali (West), Mumbai-400067, Maharashtra, India |
|
Tel. No.: |
91-22-28604777 |
|
Fax No.: |
91-22-29670077 |
|
E-Mail : |
DIRECTORS
AS ON 30.09.2010
|
Name : |
Mr. Jaiprakash Hardas Bhambhani |
|
Designation : |
Managing Director |
|
Address : |
I, Golden Rock, Perry Cross Road, Bandra (West), Mumbai-400050,
Maharashtra, India |
|
Date of Birth/Age : |
21.12.1960 |
|
Date of Appointment : |
23.03.2007 |
|
Din No.: |
00133491 |
|
|
|
|
Name : |
Mrs. Poonam Jaiprakash Bhambhani |
|
Designation : |
Director |
|
Address : |
I, Golden Rock, Perry Cross Road, Bandra (West), Mumbai-400050,
Maharashtra, India |
|
Date of Birth/Age : |
02.03.1961 |
|
Date of Appointment : |
23.03.2007 |
|
Din No.: |
00779338 |
KEY EXECUTIVES
|
Name : |
Ms. Vanita |
|
Designation : |
Accounts Executive |
MAJOR SHAREHOLDERS / SHAREHOLDING PATTERN
AS ON 30.09.2010
|
Names of Shareholders |
|
No. of Shares |
|
Jaiprakash Hardas Bhambhani |
|
900000 |
|
Poonam Jaiprakash Bhambhani |
|
1000 |
|
|
|
|
|
TOTAL
|
|
901000 |
AS ON 30.09.2010
|
Equity Share Breakup |
|
Percentage of Holding |
|
Category |
|
|
|
Directors
or relatives of directors |
|
100.00 |
BUSINESS DETAILS
|
Line of Business : |
Manufacturer of Automobile Parts. |
PRODUCTION STATUS [AS ON 31.03.2010]
|
PARTICULARS |
ACTUAL
PRODUCTION |
|
Thermostat Switch [In Qty.] |
295924 |
|
Clocks [In Qty.] |
174463 |
GENERAL INFORMATION
|
No. of Employees : |
Information denied by the management. |
|||||||||||||||||||||||||||||||||||||||||||||||||||
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|
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
|
Bankers : |
Axis Bank Limited, Axis House, Ground Floor, Bombay Dyeing Mills
Compound, Pandurang Budhkar Marg, Worli, Mumbai-400025, Maharashtra, India |
|||||||||||||||||||||||||||||||||||||||||||||||||||
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|||||||||||||||||||||||||||||||||||||||||||||||||||
|
Facilities : |
|
|
|
|
|
Banking
Relations : |
-- |
|
|
|
|
Auditors : |
|
|
Name : |
Manish Patel and Company Chartered Accountants |
|
Address : |
A/6, Everest Building, Tardeo Road, Mumbai-400034, Maharashtra, India |
|
Tel. No.: |
91-22-23522713 |
|
PAN No: |
AADPP9552F |
CAPITAL STRUCTURE
AS ON 31.03.2010
Authorised Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
1000000 |
Equity Shares |
Rs.10/- each |
Rs.10.000 Millions |
Issued, Subscribed & Paid-up Capital :
|
No. of Shares |
Type |
Value |
Amount |
|
901000 |
Equity Shares |
Rs.10/- each
|
Rs.9.010
Millions |
FINANCIAL DATA
[all figures are
in Rupees Millions]
ABRIDGED BALANCE
SHEET
|
SOURCES OF FUNDS |
31.03.2010 |
31.03.2009 |
31.03.2008 |
|
|
SHAREHOLDERS FUNDS |
|
|
|
|
|
1] Share Capital |
9.010 |
9.010 |
0.100 |
|
|
2] Share Application Money |
0.000 |
0.000 |
0.000 |
|
|
3] Reserves & Surplus |
12.442 |
10.650 |
0.000 |
|
|
4] (Accumulated Losses) |
0.000 |
0.000 |
0.000 |
|
|
NETWORTH |
21.452 |
19.660 |
0.100 |
|
|
LOAN FUNDS |
|
|
|
|
|
1] Secured Loans |
33.618 |
10.663 |
0.000 |
|
|
2] Unsecured Loans |
25.816 |
49.004 |
0.200 |
|
|
TOTAL BORROWING |
59.434 |
59.667 |
0.200 |
|
|
DEFERRED TAX LIABILITIES |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
TOTAL |
80.886 |
79.327 |
0.300 |
|
|
|
|
|
|
|
|
APPLICATION OF FUNDS |
|
|
|
|
|
|
|
|
|
|
|
FIXED ASSETS [Net Block] |
50.517 |
53.219 |
0.000 |
|
|
Capital work-in-progress |
0.000 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
INVESTMENT |
0.000 |
0.000 |
0.000 |
|
|
DEFERREX TAX ASSETS |
0.102 |
0.907 |
0.000 |
|
|
|
|
|
|
|
|
CURRENT ASSETS, LOANS & ADVANCES |
|
|
|
|
|
|
Inventories |
11.400
|
10.002 |
0.000 |
|
|
Sundry Debtors |
17.391
|
16.549 |
0.000 |
|
|
Cash & Bank Balances |
0.223
|
0.629 |
0.100 |
|
|
Other Current Assets |
0.000
|
0.000 |
0.000 |
|
|
Loans & Advances |
14.529
|
11.238 |
0.000 |
|
Total
Current Assets |
43.543
|
38.418 |
0.100 |
|
|
Less : CURRENT
LIABILITIES & PROVISIONS |
|
|
|
|
|
|
Sundry Creditors |
|
10.630 |
0.000 |
|
|
Other Current Liabilities |
12.772
|
2.404 |
0.005 |
|
|
Provisions |
0.668
|
0.368 |
0.000 |
|
Total
Current Liabilities |
13.440
|
13.402 |
0.005 |
|
|
Net Current Assets |
30.103
|
25.016 |
0.095 |
|
|
|
|
|
|
|
|
MISCELLANEOUS EXPENSES |
0.164 |
0.185 |
0.205 |
|
|
|
|
|
|
|
|
TOTAL |
80.886 |
79.327 |
0.300 |
|
PROFIT & LOSS
ACCOUNT
|
|
PARTICULARS |
31.03.2010 |
31.03.2009 |
31.03.2008 |
|
|
|
SALES |
|
|
|
|
|
|
|
Income |
80.944 |
3.126 |
0.000 |
|
|
|
Other Income |
0.096 |
0.000 |
0.000 |
|
|
|
TOTAL (A) |
81.040 |
3.126 |
0.000 |
|
|
|
|
|
|
|
|
Less |
EXPENSES |
|
|
|
|
|
|
|
Consumption of Raw Material and Goods Tracks |
40.581 |
4.226 |
0.000 |
|
|
|
Employee Costs |
6.557 |
0.047 |
0.000 |
|
|
|
Manufacturing Expenses |
8.923 |
0.484 |
0.000 |
|
|
|
Administration and Selling Expenses |
8.910 |
0.813 |
0.000 |
|
|
|
Directors Remunerations |
1.800 |
0.240 |
0.000 |
|
|
|
Increase/Decrease in Stocks |
(0.127) |
(2.839) |
0.000 |
|
|
|
TOTAL (B) |
66.644 |
2.971 |
0.000 |
|
|
|
|
|
|
|
|
Less |
PROFIT
/ (LOSS) BEFORE INTEREST, TAX, DEPRECIATION AND AMORTISATION (A-B) (C) |
14.396 |
0.155 |
0.000 |
|
|
|
|
|
|
|
|
|
Less |
FINANCIAL
EXPENSES (D) |
5.377 |
0.000 |
0.000 |
|
|
|
|
|
|
|
|
|
|
PROFIT
/ (LOSS) BEFORE TAX, DEPRECIATION AND AMORTISATION (C-D) (E) |
9.019 |
0.155 |
0.000 |
|
|
|
|
|
|
|
|
|
Less/ Add |
DEPRECIATION/
AMORTISATION (F) |
6.122 |
0.045 |
0.000 |
|
|
|
|
|
|
|
|
|
|
PROFIT / (LOSS)
BEFORE TAX (E-F) (G) |
2.897 |
0.110 |
0.000 |
|
|
|
|
|
|
|
|
|
Less |
TAX (H) |
1.105 |
(0.540) |
0.000 |
|
|
|
|
|
|
|
|
|
|
PROFIT / (LOSS)
AFTER TAX (G-H) (I) |
1.792 |
0.650 |
0.000 |
|
|
|
|
|
|
|
|
|
|
IMPORTS |
|
|
|
|
|
|
|
Raw Materials |
21.181 |
1.377 |
0.000 |
|
|
|
|
|
|
|
|
|
Earnings /
(Loss) Per Share (Rs.) |
71.69 |
25.99 |
0.00 |
|
KEY RATIOS
|
PARTICULARS |
|
31.03.2010 |
31.03.2009 |
31.03.2008 |
|
PAT / Total Income |
(%) |
2.21
|
20.79 |
0.00 |
|
|
|
|
|
|
|
Net Profit Margin (PBT/Sales) |
(%) |
3.57
|
3.52 |
0.00 |
|
|
|
|
|
|
|
Return on Total Assets (PBT/Total Assets} |
(%) |
3.07
|
0.12 |
0.00 |
|
|
|
|
|
|
|
Return on Investment (ROI) (PBT/Networth) |
|
0.14
|
0.01 |
0.00 |
|
|
|
|
|
|
|
Debt Equity Ratio (Total Liability/Networth) |
|
3.40
|
3.72 |
2.05 |
|
|
|
|
|
|
|
Current Ratio (Current Asset/Current Liability) |
|
3.23
|
2.87 |
20.00 |
LOCAL AGENCY FURTHER INFORMATION
DETAILS OF SUNDRY CREDITORS:
|
Particulars |
31.03.2010 (Rs. in millions) |
31.03.2009 (Rs. in millions) |
31.03.2008 (Rs. in millions) |
|
Sundry Creditors |
NA |
10.630 |
0.000 |
|
Sr. No. |
Check List by Info
Agents |
Available in
Report (Yes / No) |
|
1] |
Year of Establishment |
Yes |
|
2] |
Locality of the firm |
Yes |
|
3] |
Constitutions of the firm |
Yes |
|
4] |
Premises details |
No |
|
5] |
Type of Business |
Yes |
|
6] |
Line of Business |
Yes |
|
7] |
Promoter's background |
Yes |
|
8] |
No. of employees |
No |
|
9] |
Name of person contacted |
Yes |
|
10] |
Designation of contact person |
Yes |
|
11] |
Turnover of firm for last two years |
Yes |
|
12] |
Profitability for last two years |
Yes |
|
13] |
Reasons for variation <> 20% |
-- |
|
14] |
Estimation for coming financial year |
No |
|
15] |
Capital in the business |
Yes |
|
16] |
Details of sister concerns |
No |
|
17] |
Major suppliers |
No |
|
18] |
Major customers |
No |
|
19] |
Payments terms |
No |
|
20] |
Export / Import details (if applicable) |
No |
|
21] |
Market information |
-- |
|
22] |
Litigations that the firm / promoter involved in |
-- |
|
23] |
Banking Details |
Yes |
|
24] |
Banking facility details |
Yes |
|
25] |
Conduct of the banking account |
-- |
|
26] |
Buyer visit details |
-- |
|
27] |
Financials, if provided |
Yes |
|
28] |
Incorporation details, if applicable |
Yes |
|
29] |
Last accounts filed at ROC |
No |
|
30] |
Major Shareholders, if available |
Yes |
|
31] |
PAN of Proprietor/Partner/Director, if available |
No |
|
32] |
Date
of Birth of Proprietor/Partner/Director, if available |
Yes |
|
33] |
Voter ID No of Proprietor/Partner/Director, if available |
No |
|
34] |
External Agency Rating, if available |
No |
FINANCIAL RESULTS:
The company top line has improved to Rs.94.600
Millions as on 31st of March, 2010 as compare to Rs.81.300 Millions
in the last financial year. the company made net profit of Rs.1.800 Millions as
on 31st March, 2010 against loss of Rs.1.300 Millions as on 31st
March, 2009.
THE ECONOMY:
The economy is poised to grow at the rate of
9.5% in the current financial year and expected growth of Auto Industry is 18
to 20% p.a. Company is confident to procure commercial orders for new products
like pressure Switch, VFD Clocks, DIS-HE/LE and few more from Tata Motors
Limited and Tata Cummins Limited. The plan execution will not only help the
company to improve performance in sales rather it will substantially improve
the bottom line. Internal economy, negotiation for revision of rates of few
products will help the company to improve the bottom line.
BANKERS CHARGES
REPORT AS PER REGISTRY
|
This form is for |
Creation of
charge |
|
Corporate identity
number of the company |
U29308MH2007PTC169072 |
|
Name of the
company |
SENSING
TECHNOLOGIES PRIVATE LIMITED |
|
Address of the
registered office or of the principal place of business in |
Plot No. 18-C, Kandivali Industrial Estate, Hindustan Naka, Charkop,
Kandivali (West), Mumbai-400067, Maharashtra, India |
|
Type of charge |
Movable Property
[not being pledge] Others |
|
Particular of
charge holder |
Axis Bank Limited, Axis House, Ground Floor, Bombay Dyeing Mills Compound,
Pandurang Budhkar Marg, Worli, Mumbai-400025, Maharashtra, India |
|
Email |
|
|
Nature of
description of the instrument creating or modifying the charge |
Deed of
Hypothecation (DoH) of Machinery and Other Movable Fixed Assets dated
05.07.2011. |
|
Date of
instrument Creating the charge |
05.07.2011 |
|
Amount secured by
the charge |
Rs.8.275 Millions
|
|
Brief particulars
of the principal terms an conditions and extent and operation of the charge |
Rate of Interest As per Sanction
letter No. SSME/408/2010-11 dated 11.03.2011 or as stipulated by Bank from
time to time. Terms of Repayment As per Sanction letter
No. SSME/408/2010-11 date 11.03.2011 or as stipulated by Bank from time to
time. Margin As per Sanction
letter No. SSME/408/2010-11 dated 11.03.2011 or as stipulated by Bank from
time to time. Extent and Operation of the charge Bank granted Term
Loan of Rs.8.275 Millions against security by hypothecation of present and
future tangible movable plant, machinery, fixtures, fittings and other
installations, computers etc., together with spares, tools, accessories and
other articles lying on the premises or godowns of the company or elsewhere
or in transit. |
|
Short particulars
of the property charged |
Present and
future tangible movable P and M, fixtures, other movables etc. together with spares, tools lying on
premises or godowns of company or elsewhere or in transit. |
FIXED ASSETS:
·
Air Conditioner
·
Camera
·
Dies
·
Factory Equipments
·
Office Equipments
·
Plant and Machinery
·
Telephone
·
Time Chips
·
Security Systems
·
Water Purifier
·
Furniture and Fixtures
·
Factory Building
·
Computer
·
Electric Installations
CMT REPORT (Corruption, Money Laundering & Terrorism]
The Public Notice information has been collected from various sources
including but not limited to: The Courts,
1] INFORMATION ON DESIGNATED
PARTY
No exist designating subject or any of its beneficial owners,
controlling shareholders or senior officers as terrorist or terrorist
organization or whom notice had been received that all financial transactions
involving their assets have been blocked or convicted, found guilty or against
whom a judgement or order had been entered in a proceedings for violating
money-laundering, anti-corruption or bribery or international economic or
anti-terrorism sanction laws or whose assets were seized, blocked, frozen or
ordered forfeited for violation of money laundering or international
anti-terrorism laws.
2] Court Declaration :
No records exist to suggest that subject is
or was the subject of any formal or informal allegations, prosecutions or other
official proceeding for making any prohibited payments or other improper
payments to government officials for engaging in prohibited transactions or
with designated parties.
3] Asset Declaration :
No records exist to suggest that the property or assets of the subject
are derived from criminal conduct or a prohibited transaction.
4] Record on Financial
Crime :
Charges or conviction
registered against subject: None
5] Records on Violation of
Anti-Corruption Laws :
Charges or
investigation registered against subject: None
6] Records on Int’l
Anti-Money Laundering Laws/Standards :
Charges or
investigation registered against subject: None
7] Criminal Records
No
available information exist that suggest that subject or any of its principals
have been formally charged or convicted by a competent governmental authority
for any financial crime or under any formal investigation by a competent
government authority for any violation of anti-corruption laws or international
anti-money laundering laws or standard.
8] Affiliation with
Government :
No record
exists to suggest that any director or indirect owners, controlling
shareholders, director, officer or employee of the company is a government official
or a family member or close business associate of a Government official.
9] Compensation Package :
Our market
survey revealed that the amount of compensation sought by the subject is fair
and reasonable and comparable to compensation paid to others for similar
services.
10] Press Report :
No press reports / filings exists on
the subject.
CORPORATE GOVERNANCE
MIRA INFORM as part of its Due Diligence do provide comments on
Corporate Governance to identify management and governance. These factors often
have been predictive and in some cases have created vulnerabilities to credit
deterioration.
Our Governance Assessment focuses principally on the interactions
between a company’s management, its Board of Directors, Shareholders and other
financial stakeholders.
CONTRAVENTION
Subject is not known to have contravened any existing local laws,
regulations or policies that prohibit, restrict or otherwise affect the terms
and conditions that could be included in the agreement with the subject.
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.52.21 |
|
|
1 |
Rs.84.00 |
|
Euro |
1 |
Rs.67.75 |
INFORMATION DETAILS
|
Information
Gathered by : |
SLP |
|
|
|
|
Report Prepared
by : |
TPT |
SCORE & RATING EXPLANATIONS
|
SCORE FACTORS |
RANGE |
POINTS |
|
HISTORY |
1~10 |
3 |
|
PAID-UP CAPITAL |
1~10 |
4 |
|
OPERATING SCALE |
1~10 |
3 |
|
FINANCIAL CONDITION |
|
|
|
--BUSINESS SCALE |
1~10 |
4 |
|
--PROFITABILIRY |
1~10 |
3 |
|
--LIQUIDITY |
1~10 |
3 |
|
--LEVERAGE |
1~10 |
3 |
|
--RESERVES |
1~10 |
4 |
|
--CREDIT LINES |
1~10 |
3 |
|
--MARGINS |
-5~5 |
- |
|
DEMERIT POINTS |
|
|
|
--BANK CHARGES |
YES/NO |
YES |
|
--LITIGATION |
YES/NO |
NO |
|
--OTHER ADVERSE INFORMATION |
YES/NO |
NO |
|
MERIT POINTS |
|
|
|
--SOLE DISTRIBUTORSHIP |
YES/NO |
NO |
|
--EXPORT ACTIVITIES |
YES/NO |
NO |
|
--AFFILIATION |
YES/NO |
NO |
|
--LISTED |
YES/NO |
NO |
|
--OTHER MERIT FACTORS |
YES/NO |
YES |
|
TOTAL |
|
30 |
This score serves as a reference to assess SC’s credit risk
and to set the amount of credit to be extended. It is calculated from a
composite of weighted scores obtained from each of the major sections of this
report. The assessed factors and their relative weights (as indicated through
%) are as follows:
Financial
condition (40%) Ownership
background (20%) Payment
record (10%)
Credit history
(10%) Market trend
(10%) Operational
size (10%)
RATING EXPLANATIONS
|
RATING |
STATUS |
PROPOSED CREDIT LINE |
|
|
>86 |
Aaa |
Possesses an extremely sound financial base with the strongest
capability for timely payment of interest and principal sums |
Unlimited |
|
71-85 |
Aa |
Possesses adequate working capital. No caution needed for credit
transaction. It has above average (strong) capability for payment of interest
and principal sums |
Large |
|
56-70 |
A |
Financial & operational base are regarded healthy. General
unfavourable factors will not cause fatal effect. Satisfactory capability for
payment of interest and principal sums |
Fairly Large |
|
41-55 |
Ba |
Overall operation is considered normal. Capable to meet normal
commitments. |
Satisfactory |
|
26-40 |
B |
Capability to overcome financial difficulties seems comparatively
below average. |
Small |
|
11-25 |
Ca |
Adverse factors are apparent. Repayment of interest and principal sums
in default or expected to be in default upon maturity |
Limited with
full security |
|
<10 |
C |
Absolute credit risk exists. Caution needed to be exercised |
Credit not
recommended |
|
- |
NB |
New Business |
- |
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or
its officials.